Maya Savings looks simple at first glance, deposit money, earn interest. But if you dig a little deeper, you’ll realize the real value comes from understanding how the base rate and bonus rates stack, what spending actions unlock them, and how to optimize without overspending.
This guide breaks everything down step by step, based on the actual mechanics shown inside the Maya app.
Before we go to the nitty-gritty, let’s start with the shortcut first. This calculator helps you estimate how much interest you can earn for a particular month based on your Maya spending activities. Note that this calculator assumes that you complete the bonus tasks at the start of each month.
Maya Savings Interest Calculator
- Base interest is 3.5% p.a..
- Bonus interest applies only to the first ₱100,000.
- Bonuses reset and must be re-earned every month.
- Interest amounts shown are estimates.
The Guaranteed Base Interest (3.5%)
Every Maya Savings account earns a base interest of 3.5% p.a. This is applied to your entire Maya Savings balance, no conditions required.
This means:
- You earn 3.5% annually even if you don’t spend anything
- No caps shown on the base rate in the app
- This is the “always-on” interest
If you do nothing else, this is the minimum you’ll earn.
Maya Bonus Interest Stacks Based on Total Spend (up to 6.5%)
One confusing part about Maya Savings is that the bonus interest looks like separate offers. In reality, most of them use the same spending channels and stack based on how much you spend in total for the month.
Eligible Spending Channels
Your spending is counted if it comes from any combination of the following:
- QR payments
- Maya card transactions
- Online checkout
- Load purchases
- Bills payment
- Stocks
- Funds
You don’t need to spend in all of them, any mix is fine.
Bonus Interest Tiers (Cumulative and Stackable)
Here’s how it actually works in practice.
| Total Spend on Eligible Channels | Base Interest | Unlocked Bonus Interests | Ending Interest (p.a.) |
|---|---|---|---|
| ₱250 | 3.5% | 1.5% | 4.5% |
| ₱1,000 | 3.5% | 1.5% + 1% | 6% |
| ₱25,000 | 3.5% | 1.5% + 1% + 2% | 8% |
| ₱35,000 | 3.5% | 1.5% + 1% + 2% +2% | 10% |
Important Rules to Remember
- Bonuses are cumulative, not replaced
- Only the first ₱100,000 of your savings earns bonus interest
- Any balance above ₱100,000 earns base 3.5% only
- All spending and boosts reset every month
Where Maya Easy Credit Fits In (2%)
If you’re a select user with Maya Easy Credit, there is a separate bonus path:
- Spend ₱3,000 using Maya Easy Credit
- Unlock +2% p.a. bonus
- Applies to up to ₱100,000
- Can stack with the regular spending bonuses
This bonus uses Easy Credit only, not regular wallet spending.
The Smart Takeaway
You don’t need to “do different tasks” to earn higher interest.
What really matters is the total monthly spend, using the eligible channels, and unlocking higher tiers naturally.
If you already pay bills, shop online, or use QR payments, you’re probably leaving bonus interest on the table without realizing it.
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